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v3.21.1

Allowance for Loan Losses (Tables) | 3 Months Ended
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Mar. 31, 2021
Financing Receivable, Allowance for Credit Loss, Writeoff, after Recovery [Abstract] |
Schedule of allowances for loan losses by portfolio segment | The following table presents the activity of the allowance for credit losses by portfolio segment for the three months ended March 31.
Allowance for Credit Losses: |  | March 31, 2021
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 16,901 |  |  | $ | 19,142 |  |  | $ | 11,009 |  |  | $ | — |  |  | $ | 47,052 |
Provision for credit losses |  | (478) |  |  | (262) |  |  | 1,028 |  |  | 164 |  |  | 452 |
Loans charged-off |  | (186) |  |  | (188) |  |  | (1,964) |  |  | — |  |  | (2,338) |
Recoveries |  | 478 |  |  | 147 |  |  | 985 |  |  | — |  |  | 1,610 |
Ending Balance |  | $ | 16,715 |  |  | $ | 18,839 |  |  | $ | 11,058 |  |  | $ | 164 |  |  | $ | 46,776 |
Allowance for Credit Losses: |  | March 31, 2020
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Unallocated |  | Total
Beginning balance |  | $ | 8,945 |  |  | $ | 1,302 |  |  | $ | 8,304 |  |  | $ | 1,392 |  |  | $ | 19,943 |
Provision for credit losses |  | 520 |  |  | 251 |  |  | 1,780 |  |  | 139 |  |  | 2,690 |
Loans charged-off |  | (533) |  |  | (257) |  |  | (2,114) |  |  | — |  |  | (2,904) |
Recoveries |  | 391 |  |  | 156 |  |  | 787 |  |  | — |  |  | 1,334 |
Ending Balance |  | $ | 9,323 |  |  | $ | 1,452 |  |  | $ | 8,757 |  |  | $ | 1,531 |  |  | $ | 21,063 |
Schedule of loans individually evaluated for impairment by class of loans | The following table presents loans individually evaluated for impairment by class of loans.
Schedule of non-performing loans | The tables below present the recorded investment in non-performing loans by class of loans.
|  | March 31, 2021
|  | Loans Past Due Over 90 Days Still |  |  |  | Nonaccrual With No Allowance
(Dollar amounts in thousands) |  | Accruing |  | Nonaccrual |  | For Credit Loss
Commercial |  |  |  |  |  |
Commercial & Industrial |  | $ | — |  |  | $ | 4,443 |  |  | $ | 1,047 |
Farmland |  | — |  |  | 188 |  |  | — |
Non Farm, Non Residential |  | — |  |  | 3,366 |  |  | 3,175 |
Agriculture |  | 1,159 |  |  | 146 |  |  | 56 |
All Other Commercial |  | — |  |  | 533 |  |  | 23 |
Residential |  |  |  |  |  |
First Liens |  | 653 |  |  | 2,996 |  |  | 72 |
Home Equity |  | 2 |  |  | 72 |  |  | — |
Junior Liens |  | 171 |  |  | 223 |  |  | — |
Multifamily |  | — |  |  | 1,380 |  |  | — |
All Other Residential |  | — |  |  | 127 |  |  | — |
Consumer |  |  |  |  |  |
Motor Vehicle |  | 92 |  |  | 574 |  |  | — |
All Other Consumer |  | 14 |  |  | 497 |  |  | — |
TOTAL |  | $ | 2,091 |  |  | $ | 14,545 |  |  | $ | 4,373 |
|  | December 31, 2020
|  | Loans Past Due Over 90 Days Still |  |  |  | Nonaccrual With No Allowance
(Dollar amounts in thousands) |  | Accruing |  | Nonaccrual |  | For Credit Loss
Commercial |  |  |  |  |  |
Commercial & Industrial |  | $ | — |  |  | $ | 4,838 |  |  | $ | 1,080 |
Farmland |  | — |  |  | 195 |  |  | — |
Non Farm, Non Residential |  | — |  |  | 3,729 |  |  | 3,267 |
Agriculture |  | — |  |  | 409 |  |  | — |
All Other Commercial |  | — |  |  | 533 |  |  | 24 |
Residential |  |  |  |  |  |
First Liens |  | 1,746 |  |  | 2,604 |  |  | 86 |
Home Equity |  | 88 |  |  | 30 |  |  | — |
Junior Liens |  | 252 |  |  | 206 |  |  | — |
Multifamily |  | — |  |  | 1,380 |  |  | — |
All Other Residential |  | — |  |  | 135 |  |  | — |
Consumer |  |  |  |  |  |
Motor Vehicle |  | 372 |  |  | 754 |  |  | — |
All Other Consumer |  | — |  |  | 554 |  |  | — |
TOTAL |  | $ | 2,458 |  |  | $ | 15,367 |  |  | $ | 4,457 |
Troubled Debt Restructurings on Financing Receivables | During the three months ended March 31, 2021 and 2020, the terms of certain loans were modified as troubled debt restructurings (TDRs). The following tables present the activity for TDRs.
|  |  |  | 2021 |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Total
January1, |  | $ | — |  |  | $ | 3,589 |  |  | $ | 617 |  |  | $ | 4,206 |
Added |  | — |  |  | 378 |  |  | 48 |  |  | 426 |
Charged Off |  | — |  |  | — |  |  | (43) |  |  | (43) |
Payments |  | — |  |  | (79) |  |  | (46) |  |  | (125) |
March 31, |  | $ | — |  |  | $ | 3,888 |  |  | $ | 576 |  |  | $ | 4,464 |
|  |  |  | 2020 |  |
(Dollar amounts in thousands) |  | Commercial |  | Residential |  | Consumer |  | Total
January 1, |  | 11 |  |  | 3,485 |  |  | 698 |  |  | 4,194 |
Added |  | — |  |  | 60 |  |  | 94 |  |  | 154 |
Charged Off |  | — |  |  | (6) |  |  | (35) |  |  | (41) |
Payments |  | (7) |  |  | (101) |  |  | (43) |  |  | (151) |
March 31, |  | 4 |  |  | 3,438 |  |  | 714 |  |  | 4,156 |
Aging of recorded investment in loans by past due category and class of loans | The following tables presents the aging of the recorded investment in loans by past due category and class of loans.
|  | March 31, 2021
|  | 30-59 Days |  | 60-89 Days |  | Greater than 90 days |  | Total |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 696 |  |  | $ | 54 |  |  | $ | 3,256 |  |  | $ | 4,006 |  |  | $ | 694,263 |  |  | $ | 698,269 |
Farmland |  | — |  |  | — |  |  | 87 |  |  | 87 |  |  | 114,518 |  |  | 114,605 |
Non Farm, Non Residential |  | 303 |  |  | — |  |  | 7 |  |  | 310 |  |  | 348,314 |  |  | 348,624 |
Agriculture |  | 2 |  |  | — |  |  | 1,198 |  |  | 1,200 |  |  | 110,920 |  |  | 112,120 |
All Other Commercial |  | 357 |  |  | — |  |  | 23 |  |  | 380 |  |  | 304,293 |  |  | 304,673 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 3,771 |  |  | 774 |  |  | 1,672 |  |  | 6,217 |  |  | 309,514 |  |  | 315,731 |
Home Equity |  | 38 |  |  | 77 |  |  | 63 |  |  | 178 |  |  | 58,946 |  |  | 59,124 |
Junior Liens |  | 289 |  |  | 33 |  |  | 282 |  |  | 604 |  |  | 51,962 |  |  | 52,566 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 150,123 |  |  | 150,123 |
All Other Residential |  | 56 |  |  | — |  |  | — |  |  | 56 |  |  | 15,980 |  |  | 16,036 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 2,264 |  |  | 323 |  |  | 114 |  |  | 2,701 |  |  | 446,489 |  |  | 449,190 |
All Other Consumer |  | 127 |  |  | 12 |  |  | 14 |  |  | 153 |  |  | 30,109 |  |  | 30,262 |
TOTAL |  | $ | 7,903 |  |  | $ | 1,273 |  |  | $ | 6,716 |  |  | $ | 15,892 |  |  | $ | 2,635,431 |  |  | $ | 2,651,323 |
|  | December 31, 2020
|  | 30-59 Days |  | 60-89 Days |  | Greater than 90 days |  | Total |  |  |  |
(Dollar amounts in thousands) |  | Past Due |  | Past Due |  | Past Due |  | Past Due |  | Current |  | Total
Commercial |  |  |  |  |  |  |  |  |  |  |  |
Commercial & Industrial |  | $ | 685 |  |  | $ | 746 |  |  | $ | 3,364 |  |  | $ | 4,795 |  |  | $ | 603,777 |  |  | $ | 608,572 |
Farmland |  | 22 |  |  | — |  |  | 91 |  |  | 113 |  |  | 118,528 |  |  | 118,641 |
Non Farm, Non Residential |  | 155 |  |  | — |  |  | 271 |  |  | 426 |  |  | 350,681 |  |  | 351,107 |
Agriculture |  | 28 |  |  | 30 |  |  | 275 |  |  | 333 |  |  | 146,147 |  |  | 146,480 |
All Other Commercial |  | — |  |  | — |  |  | 24 |  |  | 24 |  |  | 305,612 |  |  | 305,636 |
Residential |  |  |  |  |  |  |  |  |  |  |  |
First Liens |  | 5,506 |  |  | 1,866 |  |  | 2,365 |  |  | 9,737 |  |  | 314,730 |  |  | 324,467 |
Home Equity |  | 260 |  |  | 29 |  |  | 104 |  |  | 393 |  |  | 60,362 |  |  | 60,755 |
Junior Liens |  | 421 |  |  | 68 |  |  | 341 |  |  | 830 |  |  | 53,346 |  |  | 54,176 |
Multifamily |  | — |  |  | — |  |  | — |  |  | — |  |  | 151,042 |  |  | 151,042 |
All Other Residential |  | — |  |  | 50 |  |  | — |  |  | 50 |  |  | 15,918 |  |  | 15,968 |
Consumer |  |  |  |  |  |  |  |  |  |  |  |
Motor Vehicle |  | 6,975 |  |  | 1,294 |  |  | 560 |  |  | 8,829 |  |  | 441,283 |  |  | 450,112 |
All Other Consumer |  | 164 |  |  | 19 |  |  | 13 |  |  | 196 |  |  | 31,401 |  |  | 31,597 |
TOTAL |  | $ | 14,216 |  |  | $ | 4,102 |  |  | $ | 7,408 |  |  | $ | 25,726 |  |  | $ | 2,592,827 |  |  | $ | 2,618,553 |

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